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While enterprise risk management and predictive underwriting models should theoretically dampen cycles, it’s na?ve to think property-casualty insurance management teams will universally follow their indications, executives said here.

Ramani Ayer, chairman and chief executive officer of The Hartford, said “tools are only one part of the game. Management will–management resolve–is the key differentiator in terms of when we decide that terms are unacceptable and we’d better stop kidding ourselves.”

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